1. Non-Life Insurance in Portugal, Key Trends and Opportunities
to 2016
Report Details:
Published:November 2012
No. of Pages: 251
Price: Single User License – US$1950
Synopsis
The report provides in depth market analysis, information and insights into the Portuguese non-life
insurance market, including:
• The Portuguese non-life insurance market’s growth prospects by non-life insurance categories
• The various distribution channels in the Portuguese non-life insurance market
• The competitive landscape in the non-life insurance market in Portugal
• A description of the non-life reinsurance market in Portugal
Summary
The written premium of the Portuguese non-life insurance segment decreased during the review
period. The decrease was a result of reduced property demand in the domestic market, decreased
passenger car sales and limited motor and property insurance demand. The segmental growth
was further decelerated by the weak economic development and ongoing sovereign debt crisis in
key EU member states. High unemployment levels and a marginal decline in annual disposable
income also delayed liability insurance policy sales and discouraged overall growth in the non-life
segment. However, the Portuguese government took a number of actions, including an economic
stimulus package which aimed to spur the country’s economy on and improve macroeconomic
fundamentals.
Scope
This report provides a comprehensive analysis of the non-life insurance market in Portugal:
• It provides historical values for Portugal’s non-life insurance market for the report’s 2007–2011
review period and forecast figures for the 2012–2016 forecast period
• It offers a detailed analysis of the key sub-segments in Portugal’s non-life insurance market,
along with market forecasts until 2016
• It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio,
commissions and expenses, combined ratio, frauds and crimes, total assets, total investment
income and retentions
• It analyses the various distribution channels for non-life insurance products in Portugal

2. • Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in
Portugal for the non-life insurance business
• It provides a detailed analysis of the reinsurance market in Portugal and its growth prospects
• It profiles the top non-life insurance companies in Portugal and outlines the key regulations
affecting them
Reasons To Buy
• Make strategic business decisions using historic and forecast market data related to the
Portuguese non-life insurance market and each sector within it
• Understand the demand-side dynamics, key market trends and growth opportunities within the
Portuguese non-life insurance market
• Assess the competitive dynamics in the non-life insurance market, along with the reinsurance
segment
• Identify the growth opportunities and market dynamics within key product categories
• Gain insights into key regulations governing the Portuguese insurance market and its impact on
companies and the market''s future
Key Highlights
• The written premium of the Portuguese non-life insurance segment decreased during the review
period.
• The decrease was a result of reduced property demand in the domestic market, decreased
passenger car sales and limited motor and property insurance demand.
• The segmental growth was further decelerated by the weak economic development and ongoing
sovereign debt crisis in key EU member states.
• High unemployment levels and a marginal decline in annual disposable income also delayed
liability insurance policy sales and discouraged overall growth in the non-life segment.
• However, the Portuguese government took a number of actions, including an economic stimulus
package which aimed to spur the country’s economy on and improve macroeconomic
fundamentals.
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2016.html
Major points covered in Table of Contents of this report include
Table of Contents
1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Portuguese Insurance Industry Attractiveness
3.1 Insurance Industry Market Size, 2007–2016
3.2 Key Industry Trends and Drivers

3. 3.2.1 Business drivers
3.2.2 Consumer drivers
3.3 Recent Market Developments
4 Non-Life Insurance Segment Outlook
4.1 Non-Life Insurance Growth Prospects by Category
4.1.1 Property insurance category
4.1.2 Fire and allied perils insurance sub-category
4.1.3 Engineering insurance sub-category
4.1.4 Agriculture insurance sub-category
4.1.5 Other property sub-category
4.2 Motor Insurance
4.2.1 Motor hull sub-category
4.2.2 Motor third-party sub-category
4.3 General Third-Party
4.4 Marine, Aviation and Transit
4.4.1 Marine sub-category
4.4.2 Marine hull sub-category
4.4.3 Marine third party sub-category
4.4.4 Aviation sub-category
4.4.5 Transit sub-category
5 Analysis by Distribution Channels
5.1 Direct Marketing
5.2 Bancassurance
5.3 Agencies
5.4 E-Commerce
5.5 Brokers
5.6 Other channels
6 Regulatory Policies
7 Porter’s Five Forces Analysis – Portuguese Non-Life Insurance Segment
7.1 Bargaining Power of Supplier: Medium
7.2 Bargaining Power of Buyer: Low to Medium
7.3 Barriers to Entry: Medium
7.4 Intensity of Rivalry: Medium
7.5 Threat of Substitutes: Low
8 Reinsurance Growth Dynamics and Challenges
8.1 Reinsurance Market Size, 2007–2016
8.2 Reinsurance Market Size by Type of Insurance, 2007–2016
9 Competitive Landscape and Strategic Insights
9.1 Overview
9.2 Leading Companies in the Portuguese Non-Life Insurance Segment
9.3 Fidelidade-Mundial – Company Overview
9.3.1 Fidelidade-Mundial – key facts

4. 9.3.1 Fidelidade Mundial – Key Financials
9.4 Imperio Bonança – Company Overview
9.4.1 Imperio Bonança – key facts
9.4.1 Imperio Bonança – Key Financials
9.5 AXA Portugal – Company Overview
9.5.1 AXA Portugal – key facts
9.6 Companhia de Seguros Tranquilidade – Company Overview
9.6.1 Companhia de Seguros Tranquilidade – key facts
9.7 Liberty Seguros – Company Overview
9.7.1 Liberty Seguros – key facts
9.8 Companhia De Seguros Açoreana, SA – Company Overview
9.8.1 Companhia De Seguros Açoreana, SA – key facts
10 Business Environment and Country Risk
10.1 Business Confidence
10.1.1 Business confidence indicator
10.1.2 Market capitalization trend – Lisbon Stock Exchange, Portugal
10.1.3 FDI Inflows
10.2 Economic Performance
10.2.1 GDP at constant prices (US dollar)
10.2.2 GDP per capita at constant prices (US dollar)
10.2.3 GDP at current prices (US dollar)
10.2.4 GDP per capita at current prices (US dollar)
10.2.5 GDP by key segments
10.2.6 Agricultural net output at current prices (Euro)
10.2.7 Agricultural net output at current prices (US dollar)
10.2.8 Agricultural net output at current prices as a percentage of GDP
10.2.9 Manufacturing net output at current prices (Euro)
10.2.10 Manufacturing net output at current prices (US dollar)
10.2.11 Manufacturing net output at current prices as a percentage of GDP
10.2.12 Mining, manufacturing and utilities net output at current prices (Euro)
10.2.13 Mining, manufacturing and utilities at current prices (US dollar)
10.2.14 Mining, manufacturing and utilities at current prices, as percentage of GDP
10.2.15 Construction net output at current prices (Euro)
10.2.16 Construction net output at current prices, (US dollar)
10.2.17 Construction net output at current prices as a percentage of GDP
10.2.18 Inflation rate
10.2.19 Current account balance as a percentage of GDP
10.2.20 Exports as a percentage of GDP
10.2.21 Imports as a percentage of GDP
10.2.22 Exports growth
10.2.23 Imports growth
10.2.24 External debt

5. 10.2.25 Annual average exchange rate US$–EUR
10.2.26 End-of-period exchange rate US$–EUR
10.3 Infrastructure Quality and Availability
10.3.1 Total airports and sea ports
10.3.2 Railways and roadways
10.3.3 Passenger vehicle production volume
10.3.4 Commercial vehicle production volume
10.3.5 Automotive component exports trend
10.3.6 Automotive component imports trend
10.3.7 Healthcare expenditure
10.3.8 Healthcare expenditure as a percentage of GDP
10.3.9 Healthcare expenditure per capita
10.3.10 Total internet users
10.4 Labor Force
10.4.1 Labor force
10.4.2 Unemployment rate
10.5 Demographics
10.5.1 Annual disposable income
10.5.2 Annual per capita disposable income
10.5.3 Total population
10.5.4 Urban and rural population
10.5.5 Female percentage of population
10.5.6 Male percentage of population
10.5.7 Mean age of the population
10.5.8 Median age of population
10.5.9 Population density
10.5.10 Age distribution of the total population
10.5.11 Age distribution of the male population
10.5.12 Age distribution of the female population
10.6 Political and Social Risk
10.6.1 Political stability
10.6.2 Terrorism index
10.6.3 Transparency index
11 Appendix
11.1 Methodology
11.2 Contact Us
11.3 About Timetric
11.4 Disclaimer
List of Tables
Table 1: Insurance Industry Definitions
Table 2: Portuguese Insurance Overall Written Premium by Segment (EUR Billion), 2007–2011

6. Table 3: Portuguese Insurance Overall Written Premium by Segment (US$ Billion), 2007–2011
Table 4: Portuguese Insurance Overall Written Premium by Segment (EUR Billion), 2011–2016
Table 5: Portuguese Insurance Overall Written Premium by Segment (US$ Billion), 2011–2016
Table 6: Portuguese Insurance Segmentation (% Share), 2007–2016
Table 7: Portuguese Non-life Insurance Written Premium by Category (EUR Billion), 2007–2011
Table 8: Portuguese Non-life Insurance Written Premium by Category (US$ Billion), 2007–2011
Table 9: Portuguese Non-life Insurance Written Premium by Category (EUR Billion), 2011–2016
Table 10: Portuguese Non-life Insurance Written Premium by Category (US$ Billion), 2011–2016
Table 11: Portuguese Non-life Insurance – Earned Premium (EUR Billion), 2007–2011
Table 12: Portuguese Non-life Insurance – Earned Premium (EUR Billion), 2011–2016
Table 13: Portuguese Non-life Insurance – Paid Claims by Category (EUR Billion), 2007–2011
Table 14: Portuguese Non-life Insurance – Paid Claims by Category (US$ Billion), 2007–2011
Table 15: Portuguese Non-life Insurance – Paid Claims by Category (EUR Billion), 2011–2016
Table 16: Portuguese Non-life Insurance – Paid Claims by Category (US$ Billion), 2011–2016
Table 17: Portuguese Non-life Insurance – Incurred Loss by Category (EUR Billion), 2007–2011
Table 18: Portuguese Non-life Insurance – Incurred Loss by Category (US$ Billion), 2007–2011
Table 19: Portuguese Non-life Insurance – Incurred Loss by Category (EUR Billion), 2011–2016
Table 20: Portuguese Non-life Insurance – Incurred Loss by Category (US$ Billion), 2011–2016
Table 21: Portuguese Non-life Insurance – Loss Ratio (%), 2007–2011
Table 22: Portuguese Non-life Insurance – Loss Ratio (%), 2011–2016
Table 23: Portuguese Non-life Insurance – Commission and Expenses (EUR Billion), 2007–2011
Table 24: Portuguese Non-life Insurance – Commission and Expenses (EUR Billion), 2011–2016
Table 25: Portuguese Non-life Insurance – Combined Ratio (%), 2007–2011
Table 26: Portuguese Non-life Insurance – Combined Ratio (%), 2011–2016
Table 27: Portuguese Non-life Insurance – Frauds and Crimes (EUR Billion), 2007–2011
Table 28: Portuguese Non-life Insurance – Frauds and Crimes (EUR Billion), 2011–2016
Table 29: Portuguese Non-life Insurance – Total Assets (EUR Billion), 2007–2011
Table 30: Portuguese Non-life Insurance – Total Assets (EUR Billion), 2011–2016
Table 31: Portuguese Non-life Insurance – Total Investment Income (EUR Billion), 2007–2011
Table 32: Portuguese Non-life Insurance – Total Investment Income (EUR Billion), 2011–2016
Table 33: Portuguese Non-life Insurance – Retentions (EUR Billion), 2007–2011
Table 34: Portuguese Non-life Insurance – Retentions (EUR Billion), 2011–2016
Table 35: Portuguese Property Insurance Written Premium by Sub-Category (EUR Billion),
2007–2011
Table 36: Portuguese Property Insurance Written Premium by Sub-Category (US$ Billion),
2007–2011
Table 37: Portuguese Property Insurance Written Premium by Sub-Category (EUR Billion),
2011–2016
Table 38: Portuguese Property Insurance Written Premium by Sub-Category (US$ Billion),
2011–2016
Table 39: Portuguese Property Insurance Category – Loss Ratio (%), 2007–2011
Table 40: Portuguese Property Insurance Category – Loss Ratio (%), 2011–2016

7. Table 41: Portuguese Fire and Allied Perils Insurance Sub-Category – Number of Policies Sold
(Thousand), 2007–2011
Table 42: Portuguese Fire and Allied Perils Insurance Sub-Category – Number of Policies Sold
(Thousand), 2011–2016
Table 43: Portuguese Fire and Allied Perils Insurance Sub-Category – Written Premium (EUR
Billion), 2007–2011
Table 44: Portuguese Fire and Allied Perils Insurance Sub-Category – Written Premium (EUR
Billion), 2011–2016
Table 45: Portuguese Engineering Insurance Sub-Category – Number of Policies Sold
(Thousand), 2007–2011
Table 46: Portuguese Engineering Insurance Sub-Category – Number of Policies Sold
(Thousand), 2011–2016
Table 47: Portuguese Engineering Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Table 48: Portuguese Engineering Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Table 49: Portuguese Agriculture Insurance Sub-Category – Number of Policies Sold (Thousand),
2007–2011
Table 50: Portuguese Agriculture Insurance Sub-Category – Number of Policies Sold (Thousand),
2011–2016
Table 51: Portuguese Agriculture Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Table 52: Portuguese Agriculture Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Table 53: Portuguese Other Property Insurance Sub-Category – Number of Policies Sold
(Thousand), 2007–2011
Table 54: Portuguese Other Property Insurance Sub-Category – Number of Policies Sold
(Thousand), 2011–2016
Table 55: Portuguese Other Property Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Table 56: Portuguese Other Property Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Table 57: Portuguese Motor Insurance Written Premium by Sub-Category (EUR Billion),
2007–2011
Table 58: Portuguese Motor Insurance Written Premium by Sub-Category (US$ Billion),
2007–2011
Table 59: Portuguese Motor Insurance Written Premium by Sub-Category (EUR Billion),
2011–2016
Table 60: Portuguese Motor Insurance Written Premium by Sub-Category (US$ Billion),
2011–2016
Table 61: Portuguese Motor Insurance Category – Loss Ratio (%), 2007–2011
Table 62: Portuguese Motor Insurance Category – Loss Ratio (%), 2011–2016

8. Table 63: Portuguese Motor Hull Insurance Sub-Category – Number of Policies Sold (Thousand),
2007–2011
Table 64: Portuguese Motor Hull Insurance Sub-Category – Number of Policies Sold (Thousand),
2011–2016
Table 65: Portuguese Motor Hull Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Table 66: Portuguese Motor Hull Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Table 67: Portuguese Motor Third-Party Insurance Sub-Category – Number of Policies Sold
(Thousand), 2007–2011
Table 68: Portuguese Motor Third-Party Insurance Sub-Category – Number of Policies Sold
(Thousand), 2011–2016
Table 69: Portuguese Motor Third-Party Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Table 70: Portuguese Motor Third-Party Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Table 71: Portuguese General Third-Party Insurance Category – Number of Policies Sold
(Thousand), 2007–2011
Table 72: Portuguese General Third-Party Insurance Category – Number of Policies Sold
(Thousand), 2011–2016
Table 73: Portuguese General Third-Party Insurance Category by Written Premium (EUR Billion),
2007–2011
Table 74: Portuguese General Third-Party Insurance Category by Written Premium (EUR Billion),
2011–2016
Table 75: Portuguese General Third-Party Insurance Category – Loss Ratio (%), 2007–2011
Table 76: Portuguese General Third-Party Insurance Category – Loss Ratio (%), 2011–2016
Table 77: Portuguese Marine, Aviation and Transit Insurance Written Premium by Sub-Category
(EUR Billion), 2007–2011
Table 78: Portuguese Marine, Aviation and Transit Insurance Written Premium by Sub-Category
(US$ Billion), 2007–2011
Table 79: Portuguese Marine, Aviation and Transit Insurance Written Premium by Sub-Category
(EUR Billion), 2011–2016
Table 80: Portuguese Marine, Aviation and Transit Insurance Written Premium by Sub-Category
(US$ Billion), 2011–2016
Table 81: Portuguese Marine, Aviation and Transit Insurance Category – Loss Ratio (%),
2007–2011
Table 82: Portuguese Marine, Aviation and Transit Insurance Category – Loss Ratio (%),
2011–2016
Table 83: Portuguese Marine Insurance Written Premium by Sub-Category (EUR Billion),
2007–2011
Table 84: Portuguese Marine Insurance Written Premium by Sub-Category (US$ Billion),
2007–2011

9. Table 85: Portuguese Marine Insurance Written Premium by Sub-Category (EUR Billion),
2011–2016
Table 86: Portuguese Marine Insurance Written Premium by Sub-Category (US$ Billion),
2011–2016
Table 87: Portuguese Marine Hull Insurance Sub-Category – Number of Policies Sold (Thousand),
2007–2011
Table 88: Portuguese Marine Hull Insurance Sub-Category – Number of Policies Sold (Thousand),
2011–2016
Table 89: Portuguese Marine Hull Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Table 90: Portuguese Marine Hull Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Table 91: Portuguese Marine Third Party Insurance Sub-Category – Number of Policies Sold
(Thousand), 2007–2011
Table 92: Portuguese Marine Third Party Insurance Sub-Category – Number of Policies Sold
(Thousand), 2011–2016
Table 93: Portuguese Marine Third Party Insurance Sub-Category – Written Premium (EUR
Billion), 2007–2011
Table 94: Portuguese Marine Third Party Insurance Sub-Category – Written Premium (EUR
Billion), 2011–2016
Table 95: Portuguese Aviation Insurance Sub-Category – Number of Policies Sold (Thousand),
2007–2011
Table 96: Portuguese Aviation Insurance Sub-Category – Number of Policies Sold (Thousand),
2011–2016
Table 97: Portuguese Aviation Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Table 98: Portuguese Aviation Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Table 99: Portuguese Transit Insurance Sub-Category – Number of Policies Sold (Thousand),
2007–2011
Table 100: Portuguese Transit Insurance Sub-Category – Number of Policies Sold (Thousand),
2011–2016
Table 101: Portuguese Transit Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Table 102: Portuguese Transit Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Table 103: Portuguese Non-life Insurance – Direct Marketing Commission Paid (EUR Billion),
2007–2011
Table 104: Portuguese Non-life Insurance – Direct Marketing Commission Paid (EUR Billion),
2011–2016
Table 105: Portuguese Non-life Insurance – Written Premium Through Direct Marketing (EUR
Billion), 2007–2011

10. Table 106: Portuguese Non-life Insurance – Written Premium Through Direct Marketing (EUR
Billion), 2011–2016
Table 107: Portuguese Non-life Insurance – Policies Sold Through Direct Marketing (Thousand),
2007–2011
Table 108: Portuguese Non-life Insurance – Policies Sold Through Direct Marketing (Thousand),
2011–2016
Table 109: Portuguese Non-life Insurance – Number of Direct Marketing Distributors, 2007–2011
Table 110: Portuguese Non-life Insurance – Number of Direct Marketing Distributors, 2011–2016
Table 111: Portuguese Non-life Insurance – Bancassurance Commission Paid (EUR Billion),
2007–2011
Table 112: Portuguese Non-life Insurance – Bancassurance Commission Paid (EUR Billion),
2011–2016
Table 113: Portuguese Non-life Insurance – Written Premium Through Bancassurance (EUR
Billion), 2007–2011
Table 114: Portuguese Non-life Insurance – Written Premium Through Bancassurance (EUR
Billion), 2011–2016
Table 115: Portuguese Non-life Insurance – Policies Sold Through Bancassurance (Thousand),
2007–2011
Table 116: Portuguese Non-life Insurance – Policies Sold Through Bancassurance (Thousand),
2011–2016
Table 117: Portuguese Non-life Insurance – Number of Bancassurance Distributors, 2007–2011
Table 118: Portuguese Non-life Insurance – Number of Bancassurance Distributors, 2011–2016
Table 119: Portuguese Non-life Insurance – Commission Paid to Agencies (EUR Billion),
2007–2011
Table 120: Portuguese Non-life Insurance – Commission Paid to Agencies (EUR Billion),
2011–2016
Table 121: Portuguese Non-life Insurance – Written Premium Through Agencies (EUR Billion),
2007–2011
Table 122: Portuguese Non-life Insurance – Written Premium Through Agencies (EUR Billion),
2011–2016
Table 123: Portuguese Non-life Insurance – Policies Sold Through Agencies (Thousand),
2007–2011
Table 124: Portuguese Non-life Insurance – Policies Sold Through Agencies (Thousand),
2011–2016
Table 125: Portuguese Non-life Insurance – Number of Agencies, 2007–2011
Table 126: Portuguese Non-life Insurance – Number of Agencies, 2011–2016
Table 127: Portuguese Non-life Insurance – E-Commerce Commission Paid (EUR Billion),
2007–2011
Table 128: Portuguese Non-life Insurance – E-Commerce Commission Paid (EUR Billion),
2011–2016
Table 129: Portuguese Non-life Insurance – Written Premium Through E-Commerce (EUR Billion),
2007–2011

11. Table 130: Portuguese Non-life Insurance – Written Premium Through E-Commerce (EUR Billion),
2011–2016
Table 131: Portuguese Non-life Insurance – Policies Sold Through E-Commerce (Thousand),
2007–2011
Table 132: Portuguese Non-life Insurance – Policies Sold Through E-Commerce (Thousand),
2011–2016
Table 133: Portuguese Non-life Insurance – Number of E-Commerce Distributors, 2007–2011
Table 134: Portuguese Non-life Insurance – Number of E-Commerce Distributors, 2011–2016
Table 135: Portuguese Non-life Insurance – Commission Paid to Brokers (EUR Billion),
2007–2011
Table 136: Portuguese Non-life Insurance – Commission Paid to Brokers (EUR Billion),
2011–2016
Table 137: Portuguese Non-life Insurance – Written Premium Through Brokers (EUR Billion),
2007–2011
Table 138: Portuguese Non-life Insurance – Written Premium Through Brokers (EUR Billion),
2011–2016
Table 139: Portuguese Non-life Insurance – Policies Sold Through Brokers (Thousand),
2007–2011
Table 140: Portuguese Non-life Insurance – Policies Sold Through Brokers (Thousand),
2011–2016
Table 141: Portuguese Non-life Insurance – Number of Brokers, 2007–2011
Table 142: Portuguese Non-life Insurance – Number of Brokers, 2011–2016
Table 143: Portuguese Non-life Insurance – Commission Paid to Other Channels (EUR Billion),
2007–2011
Table 144: Portuguese Non-life Insurance – Commission Paid to Other Channels (EUR Billion),
2011–2016
Table 145: Portuguese Non-life Insurance – Written Premium Through Other Channels (EUR
Billion), 2007–2011
Table 146: Portuguese Non-life Insurance – Written Premium Through Other Channels (EUR
Billion), 2011–2016
Table 147: Portuguese Non-life Insurance – Policies Sold Through Other Channels (Thousand),
2007–2011
Table 148: Portuguese Non-life Insurance – Policies Sold Through Other Channels (Thousand),
2011–2016
Table 149: Portuguese Non-life Insurance – Number of Distributors in Other Channels, 2007–2011
Table 150: Portuguese Non-life Insurance – Number of Distributors in Other Channels, 2011–2016
Table 151: Portuguese Reinsurance Market by Category (EUR Billion), 2007–2011
Table 152: Reinsurance Market in Portugal by Category (US$ Billion), 2007–2011
Table 153: Portuguese Reinsurance Market by Category (EUR Billion), 2011–2016
Table 154: Portuguese Reinsurance Market by Category (US$ Billion), 2011–2016
Table 155: Portuguese Premium Ceded to Reinsurance by Type of Insurance (EUR Billion),
2007–2011

12. Table 156: Portuguese Premium Ceded to Reinsurance by Type of Insurance (US$ Billion),
2007–2011
Table 157: Portuguese Premium Ceded to Reinsurance by Type of Insurance (EUR Billion),
2011–2016
Table 158: Portuguese Premium Ceded to Reinsurance by Type of Insurance (US$ Billion),
2011–2016
Table 159: Portuguese Non-life Insurance – Percentage of Reinsurance Ceded, 2007–2011
Table 160: Portuguese Non-life Insurance – Percentage of Reinsurance Ceded, 2011–2016
Table 161: Portuguese Non-Life Insurance Market Share, 2011
Table 162: Fidelidade Mundial, Key Facts
Table 163: Fidelidade Mundial, Key Financials (EUR Million)
Table 164: Imperio Bonança, Key Facts
Table 165: Imperio Bonança, Key Financials (EUR Million)
Table 166: AXA Portugal, Key Facts
Table 167: Companhia de Seguros Tranquilidade, Key Facts
Table 168: Liberty Seguros, Key Facts
Table 169: Companhia De Seguros Açoreana, S.A., Key Facts
List of Figures
Figure 1: Portuguese Insurance Overall Written Premium by Segment (EUR Billion), 2007–2016
Figure 2: Portuguese Insurance Market Dynamics by Segment, 2007–2016
Figure 3: Portuguese Non-life Insurance Written Premium by Category (EUR Billion), 2007–2016
Figure 4: Portuguese Non-life Insurance Written Premium by Category (% Share), 2011 and 2016
Figure 5: Portuguese Non-life Insurance Market Dynamics by Category, 2007–2016
Figure 6: Portuguese Non-life Insurance – Earned Premium (EUR Billion), 2007–2011
Figure 7: Portuguese Non-life Insurance – Earned Premium (EUR Billion), 2011–2016
Figure 8: Portuguese Non-life Insurance – Paid Claims by Category (EUR Billion), 2007–2016
Figure 9: Portuguese Non-life Insurance – Incurred Loss by Category (EUR Billion), 2007–2016
Figure 10: Portuguese Non-life Insurance – Loss Ratio (%), 2007–2011
Figure 11: Portuguese Non-life Insurance – Loss Ratio (%), 2011–2016
Figure 12: Portuguese Non-life Insurance – Commission and Expenses (EUR Billion), 2007–2011
Figure 13: Portuguese Non-life Insurance – Commission and Expenses (EUR Billion), 2011–2016
Figure 14: Portuguese Non-life Insurance – Combined Ratio (%), 2007–2011
Figure 15: Portuguese Non-life Insurance – Combined Ratio (%), 2011–2016
Figure 16: Portuguese Non-life Insurance – Frauds and Crimes (EUR Billion), 2007–2011
Figure 17: Portuguese Non-life Insurance – Frauds and Crimes (EUR Billion), 2011–2016
Figure 18: Portuguese Non-life Insurance – Total Assets (EUR Billion), 2007–2011
Figure 19: Portuguese Non-life Insurance – Total Assets (EUR Billion), 2011–2016
Figure 20: Portuguese Non-life Insurance – Total Investment Income (EUR Billion), 2007–2011
Figure 21: Portuguese Non-life Insurance – Total Investment Income (EUR Billion), 2011–2016
Figure 22: Portuguese Non-life Insurance – Retentions (EUR Billion), 2007–2011
Figure 23: Portuguese Non-life Insurance – Retentions (EUR Billion), 2011–2016

13. Figure 24: Portuguese Non-life Insurance – Investment Portfolio (EUR Billion), 2007–2011
Figure 25: Portuguese Non-life Insurance – Investment Portfolio (% Share), 2007 and 2011
Figure 26: Portuguese Non-life Insurance Penetration (% of GDP), 2007–2011
Figure 27: Portuguese Non-life Insurance – Number of Policies Sold (Thousand), 2007–2011
Figure 28: Portuguese Non-life Insurance – Number of Policies Sold (Thousand), 2011–2016
Figure 29: Portuguese Non-life Insurance – Premium Per Capita (EUR), 2007–2011
Figure 30: Portuguese Property Insurance Written Premium (EUR Billion) by Sub-Category,
2007–2016
Figure 31: Portuguese Property Insurance Market Dynamics by Sub-Category, 2007–2016
Figure 32: Portuguese Property Insurance Category – Loss Ratio (%), 2007–2011
Figure 33: Portuguese Property Insurance Category – Loss Ratio (%), 2011–2016
Figure 34: Portuguese Fire and Allied Perils Insurance Sub-Category – Number of Policies Sold
(Thousand), 2007–2011
Figure 35: Portuguese Fire and Allied Perils Insurance Sub-Category – Number of Policies Sold
(Thousand), 2011–2016
Figure 36: Portuguese Fire and Allied Perils Insurance Sub-Category – Written Premium (EUR
Billion), 2007–2011
Figure 37: Portuguese Fire and Allied Perils Insurance Sub-Category – Written Premium (EUR
Billion), 2011–2016
Figure 38: Portuguese Engineering Insurance Sub-Category – Number of Policies Sold
(Thousand), 2007–2011
Figure 39: Portuguese Engineering Insurance Sub-Category – Number of Policies Sold
(Thousand), 2011–2016
Figure 40: Portuguese Engineering Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Figure 41: Portuguese Engineering Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Figure 42: Portuguese Agriculture Insurance Sub-Category – Number of Policies Sold (Thousand),
2007–2011
Figure 43: Portuguese Agriculture Insurance Sub-Category – Number of Policies Sold (Thousand),
2011–2016
Figure 44: Portuguese Agriculture Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Figure 45: Portuguese Agriculture Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Figure 46: Portuguese Other Property Insurance Sub-Category – Number of Policies Sold
(Thousand), 2007–2011
Figure 47: Portuguese Other Property Insurance Sub-Category – Number of Policies Sold
(Thousand), 2011–2016
Figure 48: Portuguese Other Property Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Figure 49: Portuguese Other Property Insurance Sub-Category – Written Premium (EUR Billion),

14. 2011–2016
Figure 50: Portuguese Motor Insurance Written Premium by Sub-Category (EUR Billion),
2007–2016
Figure 51: Portuguese Motor Insurance Market Dynamics by Sub-Category, 2007–2016
Figure 52: Portuguese Motor Insurance Category – Loss Ratio (%), 2007–2011
Figure 53: Portuguese Motor Insurance Category – Loss Ratio (%), 2011–2016
Figure 54: Portuguese Motor Hull Insurance Sub-Category – Number of Policies Sold (Thousand),
2007–2011
Figure 55: Portuguese Motor Hull Insurance Sub-Category – Number of Policies Sold (Thousand),
2011–2016
Figure 56: Portuguese Motor Hull Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Figure 57: Portuguese Motor Hull Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Figure 58: Portuguese Motor Third-Party Insurance Sub-Category – Number of Policies Sold
(Thousand), 2007–2011
Figure 59: Portuguese Motor Third-Party Insurance Sub-Category – Number of Policies Sold
(Thousand), 2011–2016
Figure 60: Portuguese Motor Third-Party Insurance Sub-Category – Written Premium (EUR
Billion), 2007–2011
Figure 61: Portuguese Motor Third-Party Insurance Sub-Category – Written Premium (EUR
Billion), 2011–2016
Figure 62: Portuguese General Third-Party Insurance Category – Number of Policies Sold
(Thousand), 2007–2011
Figure 63: Portuguese General Third-Party Insurance Category – Number of Policies Sold
(Thousand), 2011–2016
Figure 64: Portuguese General Third-Party Insurance Category by Written Premium (EUR Billion),
2007–2011
Figure 65: Portuguese General Third-Party Insurance Category by Written Premium (EUR Billion),
2011–2016
Figure 66: Portuguese General Third-Party Insurance Category – Loss Ratio (%), 2007–2011
Figure 67: Portuguese General Third-Party Insurance Category – Loss Ratio (%), 2011–2016
Figure 68: Portuguese Marine, Aviation and Transit Insurance Written Premium by Sub-Category
(EUR Billion), 2007–2016
Figure 69: Portuguese Marine, Aviation and Transit Insurance Market Dynamics by Sub-Category,
2007–2016
Figure 70: Portuguese Marine, Aviation and Transit Insurance Category – Loss Ratio (%),
2007–2011
Figure 71: Portuguese Marine, Aviation and Transit Insurance Category – Loss Ratio (%),
2011–2016
Figure 72: Portuguese Marine Insurance Written Premium by Sub-Category (EUR Billion),
2007–2016

15. Figure 73: Portuguese Marine Insurance Market Dynamics by Sub-Category, 2007–2016
Figure 74: Portuguese Marine Hull Insurance Sub-Category – Number of Policies Sold
(Thousand), 2007–2011
Figure 75: Portuguese Marine Hull Insurance Sub-Category – Number of Policies Sold
(Thousand), 2011–2016
Figure 76: Portuguese Marine Hull Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Figure 77: Portuguese Marine Hull Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Figure 78: Portuguese Marine Third Party Insurance Sub-Category – Number of Policies Sold
(Thousand), 2007–2011
Figure 79: Portuguese Marine Third Party Insurance Sub-Category – Number of Policies Sold
(Thousand), 2011–2016
Figure 80: Portuguese Marine Third Party Insurance Sub-Category – Written Premium (EUR
Billion), 2007–2011
Figure 81: Portuguese Marine Third Party Insurance Sub-Category – Written Premium (EUR
Billion), 2011–2016
Figure 82: Portuguese Aviation Insurance Sub-Category – Number of Policies Sold (Thousand),
2007–2011
Figure 83: Portuguese Aviation Insurance Sub-Category – Number of Policies Sold (Thousand),
2011–2016
Figure 84: Portuguese Aviation Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Figure 85: Portuguese Aviation Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Figure 86: Portuguese Transit Insurance Sub-Category – Number of Policies Sold (Thousand),
2007–2011
Figure 87: Portuguese Transit Insurance Sub-Category – Number of Policies Sold (Thousand),
2011–2016
Figure 88: Portuguese Transit Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Figure 89: Portuguese Transit Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Figure 90: Portuguese Non-life Insurance Written Premium by Distribution Channel (% Share),
2011 and 2016
Figure 91: Portuguese Non-life Insurance – Direct Marketing Commission Paid (EUR Billion),
2007–2011
Figure 92: Portuguese Non-life Insurance – Direct Marketing Commission Paid (EUR Billion),
2011–2016
Figure 93: Portuguese Non-life Insurance – Written Premium Through Direct Marketing (EUR
Billion), 2007–2011
Figure 94: Portuguese Non-life Insurance – Written Premium Through Direct Marketing (EUR

16. Billion), 2011–2016
Figure 95: Portuguese Non-life Insurance – Policies Sold Through Direct Marketing (Thousand),
2007–2011
Figure 96: Portuguese Non-life Insurance – Policies Sold Through Direct Marketing (Thousand),
2011–2016
Figure 97: Portuguese Non-life Insurance – Number of Direct Marketing Distributors, 2007–2011
Figure 98: Portuguese Non-life Insurance – Number of Direct Marketing Distributors, 2011–2016
Figure 99: Portuguese Non-life Insurance – Bancassurance Commission Paid (EUR Billion),
2007–2011
Figure 100: Portuguese Non-life Insurance – Bancassurance Commission Paid (EUR Billion),
2011–2016
Figure 101: Portuguese Non-life Insurance – Written Premium Through Bancassurance (EUR
Billion), 2007–2011
Figure 102: Portuguese Non-life Insurance – Written Premium Through Bancassurance (EUR
Billion), 2011–2016
Figure 103: Portuguese Non-life Insurance – Policies Sold Through Bancassurance (Thousand),
2007–2011
Figure 104: Portuguese Non-life Insurance – Policies Sold Through Bancassurance (Thousand),
2011–2016
Figure 105: Portuguese Non-life Insurance – Number of Bancassurance Distributors, 2007–2011
Figure 106: Portuguese Non-life Insurance – Number of Bancassurance Distributors, 2011–2016
Figure 107: Portuguese Non-life Insurance – Commission Paid to Agencies (EUR Billion),
2007–2011
Figure 108: Portuguese Non-life Insurance – Commission Paid to Agencies (EUR Billion),
2011–2016
Figure 109: Portuguese Non-life Insurance – Written Premium Through Agencies (EUR Billion),
2007–2011
Figure 110: Portuguese Non-life Insurance – Written Premium Through Agencies (EUR Billion),
2011–2016
Figure 111: Portuguese Non-life Insurance – Policies Sold Through Agencies (Thousand),
2007–2011
Figure 112: Portuguese Non-life Insurance – Policies Sold Through Agencies (Thousand),
2011–2016
Figure 113: Portuguese Non-life Insurance – Number of Agencies, 2007–2011
Figure 114: Portuguese Non-life Insurance – Number of Agencies, 2011–2016
Figure 115: Portuguese Non-life Insurance – E-Commerce Commission Paid (EUR Billion),
2007–2011
Figure 116: Portuguese Non-life Insurance – E-Commerce Commission Paid (EUR Billion),
2011–2016
Figure 117: Portuguese Non-life Insurance – Written Premium Through E-Commerce (EUR
Billion), 2007–2011
Figure 118: Portuguese Non-life Insurance – Written Premium Through E-Commerce (EUR

17. Billion), 2011–2016
Figure 119: Portuguese Non-life Insurance – Policies Sold Through E-Commerce (Thousand),
2007–2011
Figure 120: Portuguese Non-life Insurance – Policies Sold Through E-Commerce (Thousand),
2011–2016
Figure 121: Portuguese Non-life Insurance – Number of E-Commerce Distributors, 2007–2011
Figure 122: Portuguese Non-life Insurance – Number of E-Commerce Distributors, 2011–2016
Figure 123: Portuguese Non-life Insurance – Commission Paid to Brokers (EUR Billion),
2007–2011
Figure 124: Portuguese Non-life Insurance – Commission Paid to Brokers (EUR Billion),
2011–2016
Figure 125: Portuguese Non-life Insurance – Written Premium Through Brokers (EUR Billion),
2007–2011
Figure 126: Portuguese Non-life Insurance – Written Premium Through Brokers (EUR Billion),
2011–2016
Figure 127: Portuguese Non-life Insurance – Policies Sold Through Brokers (T
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